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FACTS

WHAT DOES BANK OF LINCOLN COUNTY DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

Social Security number and income

Account balances and payment history

Credit history and credit scores

When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Bank of Lincoln County chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Bank of Lincoln County share?

Can you limit this sharing?

For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

No

For our marketing purposes—
to offer our products and services to you

No

We don’t share

For joint marketing with other financial companies

No

We don’t share

For our affiliates’ everyday business purposes—
information about your transactions and experiences

No

We don’t share

For our affiliates’ everyday business purposes—
information about your creditworthiness

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Computer safeguards include our use of “cookies”; Multi-factor authentication; Go Daddy-issued Digital ID; Secured Sockets Layer (SSL) protocol for data encryption; and a router and firewall to regulate server traffic.

How does Bank of Lincoln County collect my personal information?

We collect your personal information, for example, when you

Open an account or make deposits to or withdrawals from your account

Apply for a loan or give us your income information

Provide account information

Why can’t I limit all sharing?

Federal law gives you the right to limit only

sharing for affiliates’ everyday business purposes—information about your creditworthiness

affiliates from using your information to market to you

sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Bank of Lincoln County does not share with our affiliates

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Bank of Lincoln County does not share with nonaffiliates so they can market to you

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Bank of Lincoln County doesn’t jointly market

Other important information

This Privacy Notice is being provided in order to comply with Section 216.5(a) of Regulation P – Privacy of Consumer Information (12 CFR 216), which governs the treatment of nonpublic personal information about consumers by financial institutions.